Samantha Jones

alumni Samantha Jones

Samantha Jones has gotten really personal with her debt. The 36-year-old Toronto resident describes her debt like this…

“Debt and I used to be extremely close, the best of friends, debt would encourage me to ‘Just go for it, it will be fine, it will all get paid for later.’ But it never did – and Debt and I, well, we broke up.”

Jones fell in love with debt when she was only 18. That’s when she got her first credit card. Her first charge? It was all about romance.

“I got a hotel room in town with my boyfriend,” she recalls. “I don’t think the hotel is there anymore, but it was a nice place. We were there for a few nights, and it cost $400 – because we ordered room service.”

After that, it grew to hotel rooms in other towns – like Las Vegas, London, and even Disney World. But weirdly enough, these splurges weren’t what ruined her relationship with Debt.

“It’s really every day spending,” Samantha says. “I wouldn’t go to a tiffany store. I’m the exact opposite. If I had money, I’d spend it at Wal-Mart.”

Samantha learned a hard lesson: “It’s easy to get into debt shopping for the basics. You need certain things. It was volume, not price.”

So when did she realize her relationship was toxic? When she got sick.

In 2010, Samantha needed surgery for tumors in her bladder. She knew she’d have to take time off from her job as a college admissions officer. She knew she’d have less money coming in. And in her mind, her tumors and her debt seemed related.

“Debt is almost like having a disease – you just can’t cover it up, you have to fix it,” she says. “I knew I needed to take care of both.”

She called Consolidated Credit and got on a plan. She’ll be debt-free “sometime next year. I’m not there yet. I can’t wait.”

Samantha continues to pay down her debt, despite undergoing another round of surgery recently – and getting laid off from her longtime job. But she’s in amazingly high
spirits.

“I believe everything happens for a reason,” she says. “This just means a new opportunity for me.”

If Samantha can triumph over a decades-long bad relationship, and some bouts of bad health, what can you do to solve your own debt problems? Start by filling out a request for a Free Debt Analysis to schedule a consultation with a trained credit counsellor. If you don’t want to wait, you can call .